Agricultural Development Bank (ADB) has posted solid results for the first half of 2025, showing that it is getting stronger and taking a more careful approach to managing money.
According to the bank’s unaudited financial statements for the period ending June 30, 2025, ADB has increased its total assets to GH¢15.02 billion, up from GH¢11.35 billion a year earlier. This growth was largely driven by a sharp increase in cash, which now stands at GH¢7.18 billion, and a larger amount invested in safe, interest-earning financial instruments.
At the same time, the bank has lent less money to customers. About 71% of loans are not being repaid on time, up from 67% last year. These “non-performing loans” have likely influenced the bank’s decision to slow down new lending and focus on safer investments that can still earn income without adding more risk.
This cautious approach reflects ADB’s effort to protect its finances while continuing to support agriculture and development projects across Ghana.
Despite lending less, the bank has still managed to grow its income. Money earned from interest nearly doubled to GH¢625 million, while additional revenue from fees, commissions, and trading activities helped total revenue reach GH¢792.7 million, a 71% increase from H1 2024.
After covering operating costs and losses from loans, ADB recorded a profit after tax of GH¢230.5 million, nearly three times the amount it made during the same period last year.
A major capital injection of GH¢1.25 billion also helped the bank move from negative shareholders’ funds of GH¢27 million in June 2024 to a positive GH¢1.51 billion. This stronger capital base gives ADB a buffer to handle unexpected financial challenges and continue investing in safe projects, while maintaining the confidence of regulators, customers, and investors.
Cash flow data from the same period shows that money generated from operations totaled GH¢575.7 million, which funded safe investments and day-to-day operations, while financing activity helped stabilize the bank’s cash position.
The first half of 2025 paints a picture of a bank that is recovering carefully and deliberately. By reducing risky lending, investing in safer instruments, and strengthening its financial base, ADB is positioning itself to remain profitable, protect its resources, and continue supporting Ghana’s agricultural sector.
